Extra protection for hurricane storm damage with your crop insurance policy.
Hurricane Insurance Protection Overview
The Hurricane Insurance Protection-Wind Index (HIP-WI) endorsement offers extra protection against hurricane losses when combined with an underlying crop insurance policy.
Coverage triggers when a county or adjacent county experiences hurricane-force winds from a named hurricane, based on National Hurricane Center (NHC) data.
How Hurricane Insurance Protection Works
- HIP-WI indemnities are paid when county loss criteria are met.
- No Notice of Loss is required since HIP-WI is a county-based index endorsement that does not require individual farm loss adjustment.
Hurricane Insurance Protection Availability
The HIP-WI endorsement is available for over 70 different crops. Coverage is available in eligible counties in Atlantic and Gulf Coast states within the FMH writing territory.
What Are The Benefits?
NO ACREAGE REPORT
No additional acreage report is required for HIP-WI coverage since it's based on your underlying policy.
COMBINE PLANS
Coverage can be combined with the Supplemental Coverage Option (SCO) and the Stacked Income Protection Plan (STAX) with companion policies.
PAIR WITH ENDORSEMENT
HIP-WI may be paired with the Tropical Storm Endorsement for even more protection.
Tropical Storm Option
When combined with Hurricane Insurance Protection - Wind Index (HIP-WI), the Tropical Storm (TS) option provides more complete coverage for tropical storm weather events not covered by HIP-WI.
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